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If you were too sick or injured to work, you could lose the one thing you've always relied on to provide for yourself and your loved ones - your ability to earn income. Meanwhile, your living expenses continue. In fact, they're likely to increase for a number of reasons. For example, you might need help around the house. Or have higher medical expenses.
That's where disability income insurance comes in. It's designed to help you maintain your standard of living when you cannot work. If you don't have much in the way of assets for a financial cushion, you need enough disability insurance to cover your expenses until you can return to work.
With disability insurance, the older you are, the more your premiums will cost. So it's best to get as much coverage as you can, as soon as you can. Also, you can only qualify for disability insurance while you are healthy. So it’s important to pursue your options before anything happens.
These pages will guide you through the basics of disability insurance: what to look for in a broker and a policy, how to interpret a policy, what questions to ask, and more.
You'll also find information about disability insurance programs tailored to a variety of professional occupations. From medicine and law to "special risk" professions such as pilot, athlete or entertainer, KF Financial can find the coverage that's right for your situation.
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